Business Insurance for Tree Service Professionals

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Damage to a client’s home during tree removal or an accident involving your bucket truck could lead to a lawsuit. Safeguard your business with insurance designed for arborists.

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Choose the best rate and coverage

Insureon helps tree service professionals compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do tree service businesses need?

These policies cover common risks of tree trimming and removal work.

General liability insurance icon

General liability insurance

This policy covers basic arborist risks, such as a branch breaking a window at a client’s home. Bundle it with property insurance for savings in a business owner's policy.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers vehicles owned by a tree trimming or arboriculture business. It pays for medical bills and damages after an accident, vehicle theft, weather damage, and vandalism.

BEST FOR
  • Car accidents
  • Vandalism and theft
  • Weather damage
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for tree service businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Legal costs
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of an arborist’s climbing gear, chainsaws, and other tools if they are lost, stolen, or damaged. The items must be less than five years old.
BEST FOR
  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

How much does insurance cost for tree service and landscaping professionals?

Landscaper calculating costs of medical, auto, and employee expenses.

Several factors will have an impact on insurance costs, including:

  • Landscaping services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Why do tree service businesses need insurance?

Tree maintenance is dangerous work, and as a result, tree service companies deal with big liability. Tree service insurance can help your small business shoulder the legal and financial burden of property damage, auto accidents, employee injuries, equipment theft, and more.

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